Largest lenders in Henry County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 153 | 99 | 19.6% | 7.22% |
| 2 | Civista Bank | B | 84 | 57 | 20.2% | 7.50% |
| 3 | WesBanco Bank | B | 71 | 50 | 15.5% | 6.68% |
| 4 | The Farmers & Merchants State Bank | B | 70 | 53 | 7.1% | 7.50% |
| 5 | Rocket Mortgage | C | 44 | 32 | 18.2% | 6.75% |
| 6 | The State Bank and Trust | B | 37 | 24 | 13.5% | 6.38% |
| 7 | Crosscountry Mortgage | B | 25 | 14 | 4.0% | 6.79% |
| 8 | Ag Credit Agricultural Credit Association | B | 25 | 24 | 4.0% | 6.85% |
| 9 | Fifth Third Bank | D | 21 | 7 | 47.6% | 9.74% |
| 10 | PNC Bank | D | 20 | 11 | 30.0% | 7.44% |
| 11 | 21st Mortgage | F | 16 | 2 | 62.5% | 11.05% |
| 12 | Citizens Bank | C | 15 | 5 | 33.3% | 9.15% |
| 13 | Equity Resources | C | 15 | 10 | 6.7% | 6.81% |
| 14 | Mortgage Research Center | C | 15 | 6 | 6.7% | 6.44% |
| 15 | Howard Hanna Financial Services | A | 15 | 9 | 0.0% | 6.50% |
| 16 | Superior Credit Union | D | 15 | 10 | 6.7% | 6.50% |
| 17 | United Shore Financial Services | B | 14 | 12 | 0.0% | 6.33% |
| 18 | Loandepot.Com | D | 14 | 6 | 14.3% | 6.37% |
| 19 | Vanderbilt Mortgage and Finance | F | 11 | 3 | 27.3% | 8.99% |
| 20 | Newrez | D | 10 | 1 | 80.0% | 5.63% |
| 21 | Broker Solutions | D | 10 | 5 | 0.0% | 7.25% |
| 22 | Coastal Community Bank | C | 10 | 4 | 0.0% | 9.24% |
| 23 | AmeriSave Mortgage | D | 9 | 1 | 77.8% | 6.63% |
| 24 | The Union Bank | C | 9 | 4 | 55.6% | — |
| 25 | Union Home Mortgage | B | 8 | 6 | 0.0% | 6.50% |
Best approval odds in Henry County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Farmers & Merchants State Bank | 60 | 8.3% |
| 2 | WesBanco Bank | 64 | 17.2% |
| 3 | Civista Bank | 82 | 20.7% |
| 4 | The Huntington National Bank | 130 | 23.1% |
What Henry County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Henry County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 742 | 472 | 17.9% | 7.34% | $95,000 |
| 2024 | 883 | 524 | 21.5% | 7.25% | $105,000 |
| 2025 | 938 | 574 | 17.6% | 6.88% | $115,000 |
Frequently asked questions
17.6% of applications in Henry County were denied in 2025, against 17.7% statewide in Ohio.
The Huntington National Bank, with 153 applications in 2025 and a denial rate of 19.6%.
The median mortgage application in Henry County in 2025 was for $115,000; the median property value on originated loans was $205,000.